Page 157 - Reference framework for integrated management of an SSC - A U4SSC deliverable on city platforms

Government Architecture for India, including ministries, states and government agencies. The
IndEA framework is based on a federated architecture approach and recognizes the need to
accommodate greenfield (new) and brownfield (existing/legacy) eGovernance initiatives.

The IndEA framework guides investment into digital public goods, which in effect are centrally
administered digital infrastructure and applications available to all sectors and facilitated by a set
of Open APIs called “India Stack”. A prime example is India’s national ID system (Aadhaar), with
55
more than 1.2 billion subscribers.

Since its introduction, Aadhaar has stimulated the growth of India’s digital economy, enabling
digital payments of USD 57 billion and saving the government USD 13 billion in reduced transaction
overheads. 56

With a broad ubiquitous inclusive platform that has no physical presence required, costs are reduced
in designing new services with already significant social outcomes, including rapid growth in bank
account ownership, digital ID covering almost the entire population, and enhanced infrastructure
reaching more mobile devices.
57

Figure 50: India Stack framework

Need a Credit Aadhaar/eKYC
loan marketplace
app
Agrees to Digi locker
share Consent authorization
data Architecture API

Sees loan Credit API for loan
offers marketplace offers

Accepts Paperless eSign
best offer contract Digilocker
Each solution Receives Transaction
is enabled by loan A/C & app UPI
the India
Stack Sells Payment UPI
Goods app

Repays Payment UPI
app
Loan

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